/* =========================================
   CONNECTI FINANCIAMENTOS � CSS
   Camadas: hero (imagem) ? branco / azul alternando
   ========================================= */

:root {
  --navy:       #0a1e4a;
  --navy-mid:   #0d2660;
  --navy-light: #1a3780;
  --gold:       #c9a84c;
  --gold-light: #e8c96a;
  --gold-dark:  #a8892f;
  --white:      #ffffff;
  --off-white:  #f8f9fc;
  --gray-100:   #f1f4f9;
  --gray-200:   #e2e8f2;
  --gray-400:   #94a3b8;
  --gray-600:   #64748b;
  --text:       #1e293b;
  --text-light: #475569;
  /* Superf�cies claras (estilo banco / Personnalit�) */
  --surface:        #ffffff;
  --surface-muted:  #f4f6fb;
  --surface-accent: #eef2fa;
  --border-subtle:  rgba(10, 30, 74, 0.08);
  --border-strong:  rgba(10, 30, 74, 0.12);

  --radius-sm:  6px;
  --radius:     12px;
  --radius-lg:  20px;
  --shadow-sm:  0 2px 8px rgba(10,30,74,.06);
  --shadow:     0 8px 32px rgba(10,30,74,.08);
  --shadow-lg:  0 20px 48px rgba(10,30,74,.1);

  --transition: all .25s ease;

  /* Camada azul (sempre igual nas sec��es escuras) */
  --camada-azul: linear-gradient(165deg, var(--navy) 0%, var(--navy-mid) 52%, #081a3d 100%);
  --camada-azul-veil: radial-gradient(ellipse 92% 44% at 50% 0%, rgba(255,255,255,.09) 0%, transparent 52%),
    radial-gradient(circle at 100% 0%, rgba(201,168,76,.11) 0%, transparent 36%);
  --camada-branca: #ffffff;
  --camada-sombra: 0 1px 0 rgba(10, 30, 74, 0.06);

  --font-sans: 'Plus Jakarta Sans', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --font-display: 'Fraunces', 'Georgia', 'Times New Roman', serif;
}

/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
body {
  font-family: var(--font-sans);
  color: var(--text);
  background: var(--camada-branca);
  line-height: 1.65;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

/* ===== UTILITY ===== */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}
.gold-text { color: var(--gold-dark); }
.hero .gold-text,
.servicos .gold-text,
.taxas .gold-text,
.processo .gold-text,
.contato .gold-text {
  color: var(--gold-light);
  text-shadow: 0 1px 22px rgba(201,168,76,.28);
}
.section-tag {
  display: inline-block;
  background: rgba(201,168,76,.12);
  color: var(--navy);
  font-size: .78rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .08em;
  padding: 5px 14px;
  border-radius: 100px;
  margin-bottom: 14px;
  border: 1px solid rgba(201,168,76,.35);
}
.tag-gold { background: rgba(201,168,76,.15); }
.section-header {
  text-align: center;
  margin-bottom: 56px;
}
.section-header h2 {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 700;
  font-optical-sizing: auto;
  line-height: 1.22;
  margin-bottom: 14px;
  color: var(--navy);
  letter-spacing: -0.02em;
}
.section-header p { color: var(--text-light); max-width: 560px; margin: 0 auto; }
.section-header.light h2 { color: var(--white); }
.section-header.light p { color: rgba(255,255,255,.75); }
.section-header.light .section-tag {
  background: rgba(255,255,255,.1);
  color: var(--gold-light);
  border-color: rgba(201,168,76,.35);
}

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: .95rem;
  border: none;
  cursor: pointer;
  transition: var(--transition);
  white-space: nowrap;
}
.btn-lg { padding: 16px 36px; font-size: 1rem; }
.btn-full { width: 100%; justify-content: center; }
.btn-gold {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  color: var(--navy);
  box-shadow: 0 4px 16px rgba(201,168,76,.3);
}
.btn-gold:hover {
  background: linear-gradient(135deg, var(--gold-light) 0%, var(--gold) 100%);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(201,168,76,.45);
}
.btn-outline-white {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,.5);
}
.btn-outline-white:hover {
  background: rgba(255,255,255,.1);
  border-color: var(--white);
  transform: translateY(-2px);
}
.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border: 2px solid rgba(10, 30, 74, 0.22);
}
.btn-outline-navy:hover {
  background: rgba(10, 30, 74, 0.06);
  border-color: var(--navy);
  color: var(--navy);
  transform: translateY(-2px);
}
.select-wrap { position: relative; }
.select-wrap::after {
  content: '';
  position: absolute;
  right: 14px;
  top: 50%;
  transform: translateY(-50%);
  width: 0;
  height: 0;
  border-left: 5px solid transparent;
  border-right: 5px solid transparent;
  border-top: 6px solid var(--navy);
  pointer-events: none;
}
select {
  width: 100%;
  padding: 12px 40px 12px 16px;
  border: 1.5px solid var(--border-strong);
  border-radius: var(--radius-sm);
  background: var(--surface-muted);
  color: var(--text);
  font-family: var(--font-sans);
  font-size: .92rem;
  appearance: none;
  cursor: pointer;
  outline: none;
  transition: var(--transition);
}
select option { background: var(--surface); color: var(--text); }
select:focus { border-color: var(--gold); box-shadow: 0 0 0 3px rgba(201,168,76,.15); }

/* ===== NAVBAR ===== */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  padding: 10px 0 0;
  background: transparent;
  border-bottom: none;
  transition: var(--transition);
}
.navbar.scrolled {
  background: transparent;
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
  gap: 32px;
  padding: 0 18px;
  border-radius: 16px;
  /* Sem backdrop-filter: evita que position:fixed dos links fique preso � barra no mobile */
  background: rgba(8,15,42,.93);
  border: 1px solid rgba(255,255,255,.12);
  box-shadow: 0 14px 30px rgba(0,0,0,.28);
}
.navbar.scrolled .nav-inner {
  background: rgba(8,15,42,.95);
  border-color: rgba(201,168,76,.22);
}
/* Barra clara ap�s o hero (refer�ncia banc�ria) */
.navbar.past-hero .nav-inner {
  background: rgba(255,255,255,.94);
  border-color: var(--border-subtle);
  box-shadow: 0 8px 32px rgba(10,30,74,.07);
}
.navbar.past-hero .nav-logo-text { color: var(--navy); }
.navbar.past-hero .nav-logo { color: var(--gold-dark); }
.navbar.past-hero .nav-logo-mark {
  background: rgba(10,30,74,.04);
  border-color: var(--border-subtle);
}
.navbar.past-hero .nav-links a {
  color: var(--gold-dark);
  font-weight: 600;
}
.navbar.past-hero .nav-links a:hover {
  color: var(--navy);
  background: rgba(201, 168, 76, 0.14);
}
.navbar.past-hero .hamburger span { background: var(--navy); }
.navbar.past-hero::after {
  background: linear-gradient(90deg, transparent 0%, rgba(201,168,76,.55) 50%, transparent 100%);
}
.nav-logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: #f3d98f;
}
.nav-logo-mark {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.15);
}
.nav-logo-mark svg {
  width: 24px;
  height: 24px;
  display: block;
}
.nav-logo-text {
  font-family: var(--font-display);
  font-weight: 700;
  letter-spacing: .1em;
  color: var(--white);
  text-transform: uppercase;
  font-size: .86rem;
  font-optical-sizing: auto;
}
.nav-logo:hover .nav-logo-mark {
  border-color: rgba(201,168,76,.55);
}
.nav-logo:hover .nav-logo-text {
  color: #f3d98f;
}
.nav-logo,
.nav-logo * {
  transition: var(--transition);
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 8px;
}
.nav-links li {
  flex-shrink: 0;
}
.nav-links a {
  color: rgba(255,255,255,.85);
  font-size: .9rem;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
  white-space: nowrap;
}
.nav-links a:hover { color: var(--white); background: rgba(255,255,255,.08); }
.nav-cta { font-size: .88rem; padding: 10px 22px; }
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}

/* ===== HERO ===== */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  /* Imagem do pin enviado pelo cliente: https://pin.it/714rC0Mz5 (Pinterest ? i.pinimg.com/originals/�) */
  background:
    url('assets/hero-background.jpg') center center / cover no-repeat;
  background-color: var(--navy);
  overflow: hidden;
  padding-top: 74px;
}

/* Canvas de particulas */
.hero-canvas {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  z-index: 2; /* abaixo do logo decorativo para o dourado n�o ficar �apagado� */
  pointer-events: none;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 65% 55% at 80% 45%, rgba(201,168,76,0.12) 0%, transparent 62%),
    radial-gradient(ellipse 55% 70% at 12% 90%, rgba(6,12,38,0.36) 0%, transparent 72%);
  pointer-events: none;
  z-index: 1;
}

/* Orbe dourado suave no topo direito */
.hero::after {
  content: '';
  position: absolute;
  width: 700px; height: 700px;
  right: -80px; top: -120px;
  background: radial-gradient(circle, rgba(201,168,76,.09) 0%, transparent 65%);
  border-radius: 50%;
  animation: floatOrb 9s ease-in-out infinite;
  pointer-events: none;
  z-index: 0;
}

@keyframes floatOrb {
  0%, 100% { transform: translate(0, 0) scale(1); }
  33%       { transform: translate(-30px, 40px) scale(1.05); }
  66%       { transform: translate(20px, -30px) scale(.95); }
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(
      110deg,
      rgba(6,12,38,0.72) 0%,
      rgba(10,28,72,0.58) 32%,
      rgba(10,28,72,0.42) 55%,
      rgba(10,28,72,0.30) 76%,
      rgba(6,12,38,0.50) 100%
    );
  pointer-events: none;
  z-index: 0;
}
.hero-deco {
  position: absolute;
  right: -70px;
  top: 50%;
  transform: translateY(-50%);
  width: 620px;
  height: 620px;
  z-index: 3;
  pointer-events: none;
  opacity: 0;
  animation: decoIn 1.4s ease 0.6s forwards;
}
.hero-deco-svg {
  width: 100%;
  height: 100%;
  filter:
    drop-shadow(0 0 24px rgba(255, 224, 160, 0.55))
    drop-shadow(0 0 52px rgba(201, 168, 76, 0.5))
    drop-shadow(0 4px 28px rgba(0, 0, 0, 0.35));
  opacity: 0.82;
  animation: decoFloat 8s ease-in-out infinite;
}
@keyframes decoIn {
  from { opacity: 0; transform: translateY(-50%) scale(0.88); }
  to   { opacity: 1; transform: translateY(-50%) scale(1); }
}
@keyframes decoFloat {
  0%, 100% { transform: translateY(0px); }
  50%       { transform: translateY(-22px); }
}
.hero-content {
  position: relative;
  z-index: 5;
  padding: 80px 24px 120px;
  max-width: 680px;
  animation: heroFadeUp .9s ease both;
  text-align: left;
  margin-left: 0;
  margin-right: auto;
}
@keyframes heroFadeUp {
  from { opacity: 0; transform: translateY(32px); }
  to   { opacity: 1; transform: translateY(0); }
}
.float-num,
.float-num span,
.lbs-item strong,
.result-bank-badge,
.result-valor,
.result-detail-row.total span:first-child,
.result-detail-row.total span:last-child,
.step-num,
.step-arrow,
.taxa-valor strong,
.highlight-row .taxa-tipo,
.taxa-novidade {
  color: var(--white);
}
.hero h1 {
  font-family: var(--font-sans);
  font-size: clamp(2.15rem, 5.2vw, 3.35rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 20px;
  letter-spacing: -0.03em;
}
.hero-sub {
  font-family: var(--font-sans);
  font-size: clamp(1rem, 2.1vw, 1.18rem);
  font-weight: 400;
  color: rgba(255,255,255,.82);
  max-width: 34rem;
  margin-bottom: 32px;
  line-height: 1.65;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 28px; }
.hero-social {
  display: flex;
  align-items: center;
  gap: 18px;
  margin-bottom: 48px;
}
.hero-social-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-light);
  opacity: 0.9;
  transition: opacity 0.2s ease, color 0.2s ease, transform 0.2s ease;
}
.hero-social-link:hover {
  opacity: 1;
  color: #fce49a;
  transform: translateY(-2px);
}
.hero-social-link svg {
  width: 22px;
  height: 22px;
  display: block;
}
.hero-social-link--ig svg {
  width: 24px;
  height: 24px;
}
/* ===== HERO � Logos bancos parceiros ===== */
.hero-bancos {
  margin-top: 36px;
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}
.hero-bancos-label {
  font-size: .68rem;
  font-weight: 600;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: rgba(255,255,255,.45);
  white-space: nowrap;
  flex-shrink: 0;
}
.hero-bancos-logos {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: nowrap;
}
.hb-logo {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0;
  border-radius: 10px;
  border: none;
  background: transparent;
  transition: transform .2s, box-shadow .2s;
  line-height: 0;
  box-shadow: 0 2px 8px rgba(0,0,0,.3);
  overflow: hidden;
  flex-shrink: 0;
}
.hb-logo img {
  display: block;
  width: 44px;
  height: 44px;
  object-fit: cover;
  border-radius: 10px;
}
.hb-logo:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 16px rgba(0,0,0,.4);
}

/* Itaú: leve zoom para cortar halo branco nas bordas do PNG */
.hb-logo img[src*="itau"],
.bank-logo img[src*="itau"],
.bbank-logo img[src*="itau"] {
  transform: scale(1.12);
  transform-origin: center center;
}

.hero-scroll {
  position: absolute;
  bottom: 36px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 6;
}
.scroll-dot {
  width: 22px; height: 36px;
  border: 2px solid rgba(255,255,255,.3);
  border-radius: 11px;
  position: relative;
}
.scroll-dot::after {
  content: '';
  position: absolute;
  top: 5px; left: 50%;
  transform: translateX(-50%);
  width: 4px; height: 8px;
  background: var(--gold);
  border-radius: 2px;
  animation: scrollDown 1.8s infinite;
}
@keyframes scrollDown {
  0% { opacity: 1; top: 5px; }
  100% { opacity: 0; top: 18px; }
}

/* ===== PILARES � faixa 4 colunas com imagem (edge-to-edge) ===== */
.pilares-imagem {
  width: 100%;
  position: relative;
}
.pilares-imagem--pre-footer {
  border-top: 1px solid rgba(255, 255, 255, 0.14);
  box-shadow: 0 -12px 48px rgba(0, 0, 0, 0.22);
}
.pilares-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  width: 100%;
  min-height: clamp(340px, 44vh, 520px);
}
.pilar-celula {
  position: relative;
  min-height: 280px;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  border-right: 1px solid rgba(255, 255, 255, 0.14);
  overflow: hidden;
  isolation: isolate;
  cursor: pointer;
  transition: box-shadow 0.45s ease;
}
.pilar-celula:last-child { border-right: none; }
.pilar-celula::before {
  content: '';
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: 4px;
  z-index: 3;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0.35);
  transform-origin: left center;
  opacity: 0.55;
  transition: transform 0.45s cubic-bezier(0.25, 0.46, 0.45, 0.94), opacity 0.35s ease;
  pointer-events: none;
}
.pilar-celula::after {
  content: '';
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  transform: scale(1);
  transition: transform 0.55s cubic-bezier(0.25, 0.46, 0.45, 0.94), filter 0.45s ease;
  z-index: 0;
  filter: saturate(0.88) brightness(0.9) contrast(1.05);
}
/* Imagens em alta resolu��o (par�metros ixlib = carregamento fi�vel no Unsplash) */
.pilar-celula--01::after {
  background-image: url('https://images.unsplash.com/photo-1497366216548-37526070297c?ixlib=rb-4.0.3&auto=format&fit=crop&w=1920&q=82');
}
/* 02 � consultoria / an�lise financeira (substitui PNG de baixa qualidade) */
.pilar-celula--02::after {
  background-image: url('https://images.unsplash.com/photo-1460925895917-afdab827c52f?ixlib=rb-4.0.3&auto=format&fit=crop&w=1920&q=82');
  background-position: center 20%;
}
.pilar-celula--03::after {
  background-image: url('https://images.unsplash.com/photo-1522071820081-009f0129c71c?ixlib=rb-4.0.3&auto=format&fit=crop&w=1920&q=82');
}
.pilar-celula--04::after {
  /* Contrato / documentos e contexto imobili�rio � alinhado a �an�lise � escritura� */
  background-image: url('https://images.unsplash.com/photo-1560518883-ce09059eeffa?ixlib=rb-4.0.3&auto=format&fit=crop&w=1920&q=82');
  background-position: center 52%;
}
@media (hover: hover) and (pointer: fine) {
  .pilar-celula:hover::after {
    transform: scale(1.12);
    filter: saturate(1.05) brightness(1.06) contrast(1.03);
  }
  .pilar-celula:hover {
    box-shadow:
      inset 0 0 0 3px rgba(232, 201, 106, 0.95),
      inset 0 -100px 90px -40px rgba(201, 168, 76, 0.18);
  }
  .pilar-celula:hover::before {
    transform: scaleX(1);
    opacity: 1;
  }
}
.pilar-overlay {
  position: absolute;
  inset: 0;
  z-index: 1;
  background: linear-gradient(
    195deg,
    rgba(6, 12, 38, 0.05) 0%,
    rgba(6, 12, 38, 0.35) 40%,
    rgba(6, 12, 38, 0.88) 100%
  );
  pointer-events: none;
  transition: background 0.4s ease, opacity 0.4s ease;
}
@media (hover: hover) and (pointer: fine) {
  .pilar-celula:hover .pilar-overlay {
    background: linear-gradient(
      195deg,
      rgba(6, 12, 38, 0) 0%,
      rgba(6, 12, 38, 0.22) 38%,
      rgba(6, 12, 38, 0.72) 100%
    );
  }
}
.pilar-conteudo {
  position: relative;
  z-index: 2;
  padding: 32px 26px 36px;
  width: 100%;
  transition: transform 0.45s cubic-bezier(0.25, 0.46, 0.45, 0.94);
}
@media (hover: hover) and (pointer: fine) {
  .pilar-celula:hover .pilar-conteudo {
    transform: translateY(-12px);
  }
}
.pilar-num {
  display: block;
  font-size: clamp(2.5rem, 4.5vw, 3.25rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1;
  letter-spacing: 0.04em;
  margin-bottom: 14px;
  text-shadow: 0 2px 28px rgba(0, 0, 0, 0.45);
  transition: color 0.35s ease, text-shadow 0.35s ease, transform 0.45s cubic-bezier(0.25, 0.46, 0.45, 0.94);
}
.pilar-titulo {
  font-family: var(--font-sans);
  font-size: clamp(0.98rem, 1.45vw, 1.22rem);
  font-weight: 600;
  color: rgba(255, 255, 255, 0.96);
  line-height: 1.35;
  max-width: 20ch;
  letter-spacing: 0.01em;
  text-shadow: 0 2px 20px rgba(0, 0, 0, 0.45);
  transition: color 0.35s ease, text-shadow 0.35s ease, transform 0.45s cubic-bezier(0.25, 0.46, 0.45, 0.94);
}
@media (hover: hover) and (pointer: fine) {
  .pilar-celula:hover .pilar-num {
    color: var(--gold-light);
    text-shadow: 0 2px 28px rgba(0, 0, 0, 0.5), 0 0 28px rgba(201, 168, 76, 0.45);
  }
  .pilar-celula:hover .pilar-titulo {
    color: var(--white);
    text-shadow: 0 3px 24px rgba(0, 0, 0, 0.55), 0 0 20px rgba(201, 168, 76, 0.25);
  }
}
.pilar-sub {
  display: block;
  font-size: .8rem;
  font-weight: 400;
  color: rgba(255,255,255,.75);
  line-height: 1.5;
  margin-top: 8px;
  max-width: 22ch;
  opacity: 0;
  transform: translateY(8px);
  transition: opacity .4s ease .05s, transform .4s cubic-bezier(.25,.46,.45,.94) .05s;
}
@media (hover: hover) and (pointer: fine) {
  .pilar-celula:hover .pilar-sub {
    opacity: 1;
    transform: translateY(0);
  }
}

/* Telem�vel / touch: subt�tulo sempre vis�vel (sem hover) */
@media (hover: none), (max-width: 900px) {
  .pilar-sub {
    opacity: 1;
    transform: none;
    max-width: 34ch;
  }
}

@media (max-width: 1024px) {
  .pilares-grid {
    grid-template-columns: repeat(2, 1fr);
    min-height: unset;
  }
  .pilar-celula {
    min-height: 260px;
    border-right: 1px solid rgba(255, 255, 255, 0.14);
    border-bottom: 1px solid rgba(255, 255, 255, 0.14);
  }
  .pilar-celula:nth-child(2n) { border-right: none; }
  .pilar-celula:nth-child(n + 3) { border-bottom: none; }
  .pilar-conteudo {
    padding: 26px 20px 30px;
  }
}

@media (max-width: 560px) {
  .pilares-grid {
    grid-template-columns: 1fr;
  }
  .pilar-celula {
    min-height: min(72vw, 320px);
    border-right: none;
    border-bottom: 1px solid rgba(255, 255, 255, 0.14);
  }
  .pilar-celula:last-child { border-bottom: none; }
  .pilar-conteudo {
    padding: 22px 18px 26px;
  }
  .pilar-titulo {
    max-width: none;
  }
  .pilar-num {
    font-size: clamp(2rem, 10vw, 2.75rem);
    margin-bottom: 10px;
  }
}

/* ===== SOBRE (camada branca) ===== */
.sobre {
  padding: 100px 0;
  position: relative;
  z-index: 2;
  background: var(--camada-branca);
  box-shadow: 0 4px 36px rgba(10, 30, 74, 0.07);
}
.sobre-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}
.sobre-img-wrap { position: relative; }

/* --- CARROSSEL --- */
.carousel-wrap {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: visible;
}
.carousel {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  aspect-ratio: 4/3;
}
.carousel-track {
  display: flex;
  height: 100%;
  transition: transform .6s cubic-bezier(.4,0,.2,1);
}
.carousel-slide {
  min-width: 100%;
  height: 100%;
  position: relative;
  overflow: hidden;
}
.carousel-slide img {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: center 32%;
  transition: transform 8s ease;
}
.carousel-slide.active img { transform: scale(1.06); }
.slide-caption {
  position: absolute;
  bottom: 0; left: 0; right: 0;
  background: linear-gradient(0deg, rgba(10,30,74,.85) 0%, transparent 100%);
  color: rgba(255,255,255,.9);
  font-size: .82rem;
  font-weight: 500;
  padding: 36px 20px 18px;
}

/* Bot�es prev/next */
.carousel-btn {
  position: absolute;
  top: 50%; transform: translateY(-50%);
  width: 44px; height: 44px;
  background: rgba(255,255,255,.15);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,.25);
  border-radius: 50%;
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  z-index: 10;
  transition: var(--transition);
}
.carousel-btn:hover { background: rgba(201,168,76,.35); border-color: var(--gold); }
.carousel-prev { left: 14px; }
.carousel-next { right: 14px; }

/* Dots */
.carousel-dots {
  position: absolute;
  bottom: -28px; left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: 7px;
  z-index: 10;
}
.carousel-dot {
  width: 8px; height: 8px;
  border-radius: 4px;
  background: var(--gray-400);
  border: none;
  cursor: pointer;
  padding: 0;
  transition: var(--transition);
}
.carousel-dot.active { background: var(--gold); width: 22px; }

/* Badge flutuante */
.sobre-float-card {
  position: absolute;
  top: -20px; right: -20px;
  background: #0a1e4a;
  border-radius: var(--radius);
  padding: 20px 24px;
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(201,168,76,.25);
  z-index: 20;
  animation: floatCard 4s ease-in-out infinite;
}
@keyframes floatCard {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-8px); }
}
.float-num {
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--gold-light);
  line-height: 1;
}
.float-num span { font-size: 1rem; color: var(--gold); }
.float-label { font-size: .75rem; color: rgba(255,255,255,.6); margin-top: 4px; }
.sobre-text h2 {
  font-family: var(--font-display);
  font-size: clamp(1.7rem, 3vw, 2.4rem);
  font-weight: 700;
  font-optical-sizing: auto;
  line-height: 1.22;
  margin-bottom: 20px;
  color: var(--navy);
  letter-spacing: -0.02em;
}
.sobre-text p { color: var(--text-light); margin-bottom: 16px; line-height: 1.7; }
.sobre-text p:last-of-type { margin-bottom: 28px; }
.sobre-list {
  margin: 28px 0 36px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.sobre-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: .93rem;
  color: var(--text);
  font-weight: 500;
}
.list-icon {
  width: 30px; height: 30px;
  background: rgba(201,168,76,.12);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

/* ----- Camadas azuis (mesmo fundo e v�u em todas) ----- */
.servicos,
.taxas,
.processo,
.contato {
  padding: 100px 0;
  position: relative;
  overflow: hidden;
  background: var(--camada-azul);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}
.servicos::before,
.taxas::before,
.processo::before,
.contato::before {
  content: '';
  position: absolute;
  inset: 0;
  background: var(--camada-azul-veil);
  pointer-events: none;
}
.servicos > .container,
.taxas > .container,
.processo > .container,
.contato > .container {
  position: relative;
  z-index: 1;
}

/* ===== SERVI�OS (camada azul) ===== */
.servicos-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

/* FGTS — destaque abaixo dos serviços (financiamento) */
.fgts-info {
  margin-top: 32px;
  max-width: 560px;
  margin-left: auto;
  margin-right: auto;
  display: flex;
  align-items: flex-start;
  gap: 18px;
  padding: 22px 24px;
  background: #fff;
  border-radius: var(--radius-lg);
  border: 1px solid rgba(201, 168, 76, 0.25);
  box-shadow:
    0 4px 0 rgba(201, 168, 76, 0.12),
    0 18px 40px rgba(10, 30, 74, 0.08);
}
.fgts-info-icon {
  position: relative;
  flex-shrink: 0;
  width: 64px;
  height: 64px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.fgts-info-icon-ring {
  position: absolute;
  inset: 0;
  border-radius: 50%;
  background: radial-gradient(circle at 30% 25%, rgba(255, 248, 230, 0.55) 0%, rgba(201, 168, 76, 0.18) 45%, rgba(201, 168, 76, 0.08) 100%);
  border: 1px solid rgba(201, 168, 76, 0.28);
}
.fgts-info-icon-core {
  position: relative;
  z-index: 1;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: linear-gradient(155deg, #e8c96a 0%, var(--gold) 42%, #b8923d 100%);
  color: var(--navy);
  border: 1px solid rgba(201, 168, 76, 0.55);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.45),
    0 2px 8px rgba(10, 30, 74, 0.12);
  display: flex;
  align-items: center;
  justify-content: center;
}
.fgts-info-title {
  font-family: var(--font-display);
  font-size: 1.12rem;
  font-weight: 700;
  color: var(--navy);
  margin: 0 0 6px;
  letter-spacing: -0.02em;
}
.fgts-info-text {
  margin: 0;
  font-size: .92rem;
  line-height: 1.65;
  color: var(--text-light);
}
.servico-card {
  background: #ffffff;
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  border: 1px solid rgba(201, 168, 76, 0.22);
  box-shadow:
    0 4px 0 rgba(201, 168, 76, 0.12),
    0 18px 44px rgba(10, 30, 74, 0.08);
  position: relative;
  transition: var(--transition);
  overflow: hidden;
}
.servico-card::before {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0);
  transition: transform .3s ease;
  transform-origin: left;
}
.servico-card:hover {
  transform: translateY(-6px);
  box-shadow:
    0 4px 0 rgba(201, 168, 76, 0.35),
    0 24px 52px rgba(10, 30, 74, 0.12);
  border-color: rgba(201, 168, 76, 0.45);
}
.servico-card:hover::before { transform: scaleX(1); }
.servico-card.featured {
  background: linear-gradient(165deg, #fffef9 0%, #ffffff 42%, #faf8f4 100%);
  border: 2px solid rgba(201, 168, 76, 0.55);
  box-shadow:
    0 4px 0 rgba(201, 168, 76, 0.45),
    0 22px 50px rgba(10, 30, 74, 0.1);
}
.servico-card.featured h3 { color: var(--navy); }
.servico-card.featured p { color: var(--text-light); }
.servico-card.featured .card-link { color: var(--gold-dark); }
.servico-card.featured .servico-icon {
  background: linear-gradient(135deg, rgba(201, 168, 76, 0.2) 0%, rgba(232, 201, 106, 0.15) 100%);
  color: var(--gold-dark);
  border: 1px solid rgba(201, 168, 76, 0.25);
}
.featured-badge {
  position: absolute;
  top: 20px; right: 20px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .06em;
  padding: 4px 12px;
  border-radius: 100px;
}
.servico-icon {
  width: 60px; height: 60px;
  background: rgba(201, 168, 76, 0.12);
  color: var(--gold-dark);
  border: 1px solid rgba(201, 168, 76, 0.22);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}
.servico-card h3 {
  font-family: var(--font-display);
  font-size: 1.12rem;
  font-weight: 700;
  font-optical-sizing: auto;
  margin-bottom: 10px;
  color: var(--navy);
  letter-spacing: -0.02em;
  line-height: 1.3;
}
.servico-card p { color: var(--text-light); font-size: .92rem; line-height: 1.65; margin-bottom: 20px; }
.servico-card p strong { color: var(--navy); }
.card-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--gold-dark);
  font-size: .88rem;
  font-weight: 600;
  transition: var(--transition);
}
.card-link:hover { gap: 10px; color: var(--navy); }
.servicos .card-link:hover { gap: 10px; color: var(--gold); }

/* ===== LOGO BG BANNER (camada branca) ===== */
.logo-bg-banner {
  position: relative;
  padding: 120px 0;
  overflow: hidden;
  background: var(--camada-branca);
  box-shadow: 0 4px 36px rgba(10, 30, 74, 0.06);
}
.logo-bg-image {
  position: absolute;
  inset: 0;
  background: url('logo.png') no-repeat center / contain;
  opacity: .04;
  transform: scale(1.3);
  filter: blur(2px);
}
.logo-bg-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.96) 0%, #ffffff 100%);
}
.logo-bg-content {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.logo-bg-left h2 {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 3vw, 2.8rem);
  font-weight: 700;
  font-optical-sizing: auto;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 18px;
  letter-spacing: -0.02em;
}
.logo-bg-left .section-tag { color: var(--navy); }
.logo-bg-left p {
  color: var(--text-light);
  line-height: 1.75;
  margin-bottom: 36px;
  font-size: .97rem;
}
.logo-bg-stats {
  display: flex;
  gap: 36px;
  margin-bottom: 40px;
  flex-wrap: wrap;
}
.lbs-item { display: flex; flex-direction: column; gap: 4px; }
.lbs-item strong {
  font-size: 2rem;
  font-weight: 700;
  color: var(--gold-light);
  line-height: 1;
  font-family: var(--font-display);
  font-optical-sizing: auto;
  letter-spacing: -0.02em;
}
.lbs-item span {
  font-size: .78rem;
  color: var(--gray-600);
  text-transform: uppercase;
  letter-spacing: .06em;
}

/* ===== TAXAS (camada azul � v�u no bloco compartilhado acima) ===== */

.taxas-tabs {
  display: flex;
  gap: 8px;
  margin-bottom: 40px;
  justify-content: center;
  flex-wrap: wrap;
}
.tab-btn {
  padding: 11px 24px;
  border-radius: 100px;
  border: 1.5px solid rgba(255,255,255,.2);
  background: transparent;
  color: rgba(255,255,255,.7);
  font-family: var(--font-sans);
  font-size: .88rem;
  font-weight: 500;
  cursor: pointer;
  transition: var(--transition);
}
.tab-btn:hover { border-color: rgba(201,168,76,.5); color: var(--gold-light); }
.tab-btn.active {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  border-color: transparent;
  font-weight: 700;
}
.tab-content { display: none; }
.tab-content.active { display: block; }

.taxas-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}
.taxa-card {
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: var(--transition);
  backdrop-filter: blur(8px);
}
.taxa-card:hover {
  background: rgba(255,255,255,.1);
  border-color: rgba(201,168,76,.3);
  transform: translateY(-2px);
}
.taxa-bank {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 20px;
  padding-bottom: 16px;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
.bank-logo {
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0;
  border-radius: 12px;
  overflow: hidden;
  line-height: 0;
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.3);
}
.bank-logo img {
  display: block;
  width: 52px;
  height: 52px;
  object-fit: cover;
  border-radius: 12px;
}
.bank-name { color: rgba(255,255,255,.9); font-weight: 600; font-size: .95rem; }
.taxa-rows { display: flex; flex-direction: column; gap: 0; }
.taxa-row {
  display: grid;
  grid-template-columns: 1.4fr 2fr 1fr;
  gap: 8px;
  align-items: center;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255,255,255,.05);
  font-size: .82rem;
}
.taxa-row:last-child { border-bottom: none; }
.taxa-tipo { color: rgba(255,255,255,.6); }
.taxa-valor { color: rgba(255,255,255,.9); }
.taxa-valor strong { color: var(--gold-light); }
.taxa-prazo { color: rgba(255,255,255,.5); font-size: .75rem; text-align: right; }
.highlight-row .taxa-tipo { color: var(--gold-light); font-weight: 600; }
.taxa-novidade {
  display: flex;
  align-items: center;
  gap: 6px;
  margin-top: 14px;
  font-size: .75rem;
  color: var(--gold-light);
  background: rgba(201,168,76,.1);
  padding: 8px 12px;
  border-radius: var(--radius-sm);
  border: 1px solid rgba(201,168,76,.2);
}
.taxas-aviso {
  text-align: center;
  color: rgba(255,255,255,.45);
  font-size: .78rem;
  margin-top: 40px;
}

/* ===== SIMULADOR (camada branca) ===== */
.simulador {
  padding: 100px 0;
  background: var(--camada-branca);
  box-shadow: 0 4px 36px rgba(10, 30, 74, 0.06);
}
.sim-wrapper {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 32px;
  align-items: start;
}
.sim-form-box {
  background: var(--surface);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow);
  border: 1px solid var(--border-subtle);
}
.sim-label {
  font-size: .82rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--navy);
  margin-bottom: 12px;
}
.sim-bank-selector { margin-bottom: 28px; }
.bank-btns {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
}
.bank-btn {
  padding: 10px 8px;
  border: 2px solid var(--border-subtle);
  border-radius: var(--radius-sm);
  background: var(--surface-muted);
  cursor: pointer;
  transition: var(--transition);
  display: flex;
  align-items: center;
  justify-content: center;
}
.bank-btn:hover { border-color: var(--gold); }
.bank-btn.active { border-color: var(--gold); background: rgba(201,168,76,.12); box-shadow: 0 0 0 3px rgba(201,168,76,.18); }
.bbank-logo {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 0;
  line-height: 0;
  overflow: hidden;
  border-radius: 8px;
}
.bbank-logo img {
  display: block;
  width: 40px;
  height: 40px;
  object-fit: cover;
  border-radius: 8px;
}

.sim-modalidade { margin-bottom: 24px; }
.sim-fields { display: flex; flex-direction: column; gap: 20px; margin-bottom: 28px; }
.sim-field label {
  display: block;
  font-size: .82rem;
  font-weight: 600;
  color: var(--text-light);
  margin-bottom: 8px;
}
.input-wrap {
  position: relative;
  display: flex;
  align-items: center;
}
.input-prefix {
  position: absolute;
  left: 14px;
  color: var(--gray-600);
  font-size: .9rem;
  pointer-events: none;
}
.input-wrap input[type="text"],
.input-wrap input[type="number"] {
  width: 100%;
  padding: 12px 16px 12px 38px;
  border: 1.5px solid var(--border-strong);
  border-radius: var(--radius-sm);
  font-family: var(--font-sans);
  font-size: .92rem;
  color: var(--text);
  background: var(--surface-muted);
  outline: none;
  transition: var(--transition);
}
.input-wrap input:focus { border-color: var(--gold); box-shadow: 0 0 0 3px rgba(201,168,76,.15); }
.input-wrap--cpf input[type="text"] {
  padding-left: 16px;
}
.required-mark { color: #b45309; font-weight: 700; }
.sim-field-error {
  font-size: .82rem;
  font-weight: 500;
  color: #dc2626;
  margin: 8px 0 0;
}
.sim-field.has-error .input-wrap input {
  border-color: #dc2626;
  box-shadow: 0 0 0 3px rgba(220, 38, 38, 0.12);
}
.prazo-wrap {
  flex-direction: column;
  align-items: flex-start;
  gap: 8px;
}
input[type="range"] {
  width: 100%;
  -webkit-appearance: none;
  height: 4px;
  border-radius: 2px;
  background: var(--gray-200);
  outline: none;
  cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px; height: 20px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  box-shadow: 0 2px 8px rgba(201,168,76,.4);
  cursor: pointer;
  transition: var(--transition);
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.2); }
#prazoDisplay {
  font-size: .9rem;
  font-weight: 600;
  color: var(--gold-light);
}

/* Result box */
.sim-result-box {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  border-radius: var(--radius-lg);
  padding: 40px;
  color: var(--white);
  position: sticky;
  top: 90px;
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(201,168,76,.2);
}
.result-header { margin-bottom: 28px; }
.result-bank-badge {
  display: inline-block;
  background: rgba(201,168,76,.15);
  border: 1px solid rgba(201,168,76,.3);
  color: var(--gold-light);
  font-size: .82rem;
  font-weight: 700;
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 8px;
  text-transform: uppercase;
  letter-spacing: .06em;
}
.result-subtitle { color: rgba(255,255,255,.6); font-size: .85rem; }
.result-main { text-align: center; padding: 28px 0; border-top: 1px solid rgba(255,255,255,.1); border-bottom: 1px solid rgba(255,255,255,.1); margin-bottom: 24px; }
.result-label { color: rgba(255,255,255,.6); font-size: .82rem; margin-bottom: 10px; }
.result-valor { font-size: 2.6rem; font-weight: 800; color: var(--gold-light); line-height: 1; }
.result-details { display: flex; flex-direction: column; gap: 0; margin-bottom: 24px; }
.result-detail-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255,255,255,.06);
  font-size: .86rem;
}
.result-detail-row span:first-child { color: rgba(255,255,255,.6); }
.result-detail-row span:last-child { color: rgba(255,255,255,.9); font-weight: 600; }
.result-detail-row.total span:first-child { color: var(--gold-light); font-weight: 600; }
.result-detail-row.total span:last-child { color: var(--gold-light); font-size: .95rem; }
.result-aviso {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  background: rgba(201,168,76,.12);
  border: 1px solid rgba(201,168,76,.28);
  padding: 14px 16px;
  border-radius: var(--radius-sm);
  font-size: .8rem;
  color: rgba(255,255,255,.78);
  margin-bottom: 20px;
  line-height: 1.55;
}
.result-aviso strong { color: var(--gold-light); font-weight: 700; }
.result-aviso svg { flex-shrink: 0; margin-top: 2px; }

/* ===== PROCESSO (camada azul) ===== */
.processo-steps {
  display: flex;
  align-items: stretch;
  justify-content: center;
  flex-wrap: wrap;
  gap: 4px 0;
}
.step {
  flex: 1 1 0;
  min-width: 0;
  max-width: 300px;
  text-align: left;
  padding: 0 18px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}
.step-num {
  font-size: .7rem;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: .1em;
  text-transform: uppercase;
  margin-bottom: 16px;
  text-align: left;
  width: 100%;
}
.processo .step-icon {
  width: 70px; height: 70px;
  background: rgba(255, 255, 255, 0.08);
  border: 1.5px solid rgba(201, 168, 76, 0.28);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 0 20px 0;
  color: var(--gold-light);
  transition: var(--transition);
  flex-shrink: 0;
}
.processo .step:hover .step-icon {
  background: rgba(255, 255, 255, 0.14);
  color: var(--gold-light);
  border-color: rgba(201, 168, 76, 0.5);
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.2);
  transform: translateY(-4px);
}
.processo .step h3 {
  font-family: var(--font-display);
  font-size: 1.02rem;
  font-weight: 600;
  font-optical-sizing: auto;
  color: var(--white);
  margin-bottom: 10px;
  line-height: 1.35;
  letter-spacing: -0.01em;
  text-align: left;
  width: 100%;
}
.processo .step p {
  font-size: .88rem;
  color: rgba(255, 255, 255, 0.72);
  line-height: 1.65;
  text-align: left;
  margin: 0;
  width: 100%;
}
.processo .step-arrow {
  font-size: 1.5rem;
  color: var(--gold-light);
  opacity: .55;
  padding: 0 4px;
  align-self: center;
  flex-shrink: 0;
  line-height: 1;
}

/* ===== CTA BANNER (camada branca) ===== */
.cta-banner {
  position: relative;
  padding: 80px 0;
  background: var(--camada-branca);
  overflow: hidden;
  box-shadow: 0 4px 36px rgba(10, 30, 74, 0.06);
  border-top: 1px solid var(--border-subtle);
}
.cta-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%230a1e4a' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
}
.cta-banner-overlay {
  display: none;
}
.cta-banner-inner {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  flex-wrap: wrap;
}
.cta-banner h2 {
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 3vw, 2.2rem);
  font-weight: 700;
  font-optical-sizing: auto;
  color: var(--navy);
  margin-bottom: 10px;
  line-height: 1.2;
  letter-spacing: -0.02em;
}
.cta-banner p { color: var(--text-light); max-width: 520px; }
.cta-banner-actions { display: flex; gap: 16px; flex-wrap: wrap; flex-shrink: 0; }

/* ===== CONTATO (camada azul) ===== */
.contato-grid {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 64px;
  align-items: start;
}
.contato .section-tag {
  background: rgba(255, 255, 255, 0.1);
  color: var(--gold-light);
  border-color: rgba(201, 168, 76, 0.35);
}
.contato-info h2 {
  font-family: var(--font-display);
  font-size: clamp(1.7rem, 3vw, 2.4rem);
  font-weight: 700;
  font-optical-sizing: auto;
  line-height: 1.22;
  margin-bottom: 16px;
  color: var(--white);
  letter-spacing: -0.02em;
}
.contato-info p { color: rgba(255, 255, 255, 0.72); line-height: 1.7; margin-bottom: 32px; }
.contato-cards { display: flex; flex-direction: column; gap: 14px; }
.contato-card {
  display: flex;
  align-items: center;
  gap: 16px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius);
  padding: 18px 20px;
  transition: var(--transition);
}
.contato-card:hover { border-color: rgba(201, 168, 76, 0.55); box-shadow: 0 8px 28px rgba(0, 0, 0, 0.2); transform: translateX(4px); }
.contato-card-icon {
  width: 44px; height: 44px;
  background: rgba(255, 255, 255, 0.12);
  color: var(--gold-light);
  border: 1px solid rgba(201, 168, 76, 0.25);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.contato-card strong { display: block; font-size: .82rem; font-weight: 700; color: var(--white); text-transform: uppercase; letter-spacing: .05em; }
.contato-card span { font-size: .88rem; color: rgba(255, 255, 255, 0.72); }

.contato-form-box {
  background: var(--camada-branca);
  border-radius: var(--radius-lg);
  padding: 44px 40px;
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.22);
  border: 1px solid var(--border-subtle);
}
.contato-form h3 {
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-weight: 700;
  font-optical-sizing: auto;
  color: var(--navy);
  margin-bottom: 8px;
  letter-spacing: -0.02em;
  line-height: 1.25;
}
.form-sub { font-size: .85rem; color: var(--text-light); margin-bottom: 24px; }
.form-privacy { text-align: center; font-size: .75rem; color: var(--text-light); margin-top: 12px; opacity: .7; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-field { margin-bottom: 20px; }
.form-field label { display: block; font-size: .82rem; font-weight: 600; color: var(--text-light); margin-bottom: 8px; }
.form-field input,
.form-field textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border-strong);
  border-radius: var(--radius-sm);
  font-family: var(--font-sans);
  font-size: .92rem;
  color: var(--text);
  background: var(--surface);
  outline: none;
  transition: var(--transition);
  resize: none;
}
.form-field input:focus,
.form-field textarea:focus { border-color: var(--gold); box-shadow: 0 0 0 3px rgba(201,168,76,.15); }
.form-field input::placeholder,
.form-field textarea::placeholder { color: var(--gray-400); }
.input-wrap input::placeholder { color: var(--gray-400); }

/* ===== FOOTER (fundo claro, texto em contraste, redes azul + dourado) ===== */
.footer {
  background: #ffffff;
  padding: 72px 0 0;
  border-top: 1px solid rgba(10, 30, 74, 0.08);
  box-shadow: 0 -8px 40px rgba(10, 30, 74, 0.04);
}
.footer-inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(10, 30, 74, 0.08);
}
.footer-logo { height: 52px; width: auto; margin-bottom: 16px; }
.footer-brand p { color: var(--text-light); font-size: .87rem; line-height: 1.65; margin-bottom: 24px; max-width: 320px; }
.social-links { display: flex; gap: 12px; }
.social-links a {
  width: 42px; height: 42px;
  background: linear-gradient(155deg, var(--navy) 0%, var(--navy-mid) 100%);
  border: 1.5px solid rgba(201, 168, 76, 0.55);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-light);
  transition: var(--transition);
  box-shadow: 0 2px 8px rgba(10, 30, 74, 0.12);
}
.social-links a:hover {
  border-color: var(--gold-light);
  color: #fffef6;
  box-shadow:
    0 0 0 1px rgba(201, 168, 76, 0.35),
    0 8px 22px rgba(10, 30, 74, 0.18),
    0 0 24px rgba(201, 168, 76, 0.22);
  transform: translateY(-2px);
}
.footer-links h4 {
  font-family: var(--font-sans);
  color: var(--navy);
  font-size: .8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  margin-bottom: 18px;
}
.footer-links ul { display: flex; flex-direction: column; gap: 10px; }
.footer-links a {
  color: var(--text);
  font-size: .86rem;
  transition: var(--transition);
  font-weight: 500;
}
.footer-links a:hover { color: var(--gold-dark); padding-left: 4px; }
.footer-bottom {
  padding: 20px 0;
  background: linear-gradient(165deg, var(--navy) 0%, var(--navy-mid) 52%, #081a3d 100%);
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}
.footer-bottom .container { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 8px; }
.footer-bottom p { color: rgba(255, 255, 255, 0.62); font-size: .78rem; }

/* ===== WHATSAPP FLOAT ===== */
.whatsapp-float {
  position: fixed;
  bottom: 28px; right: 28px;
  width: 58px; height: 58px;
  background: #25d366;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  box-shadow: 0 6px 24px rgba(37,211,102,.45);
  z-index: 999;
  transition: var(--transition);
}
.whatsapp-float:hover { transform: scale(1.1); box-shadow: 0 10px 32px rgba(37,211,102,.55); }

/* ===== EFEITOS EXTRAS ===== */

/* Glow dourado nos bot�es */
.btn-gold {
  position: relative;
  overflow: hidden;
}
.btn-gold::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(120deg, transparent 30%, rgba(255,255,255,.25) 50%, transparent 70%);
  transform: translateX(-100%);
  transition: transform .55s ease;
}
.btn-gold:hover::after { transform: translateX(100%); }

/* Shimmer nos cards de taxa */
.taxa-card {
  position: relative;
  overflow: hidden;
}
.taxa-card::after {
  content: '';
  position: absolute;
  top: -50%; left: -60%;
  width: 40%; height: 200%;
  background: linear-gradient(120deg, transparent, rgba(255,255,255,.04), transparent);
  transform: skewX(-15deg);
  transition: left .6s ease;
}
.taxa-card:hover::after { left: 120%; }

/* Glassmorphism no sim-result */
.sim-result-box {
  background: linear-gradient(135deg, rgba(10,30,74,.95) 0%, rgba(13,38,96,.92) 100%) !important;
  backdrop-filter: blur(20px);
  border: 1px solid rgba(201,168,76,.25) !important;
}

/* Linha dourada animada embaixo da navbar */
.navbar::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0;
  height: 1px;
  width: 100%;
  background: linear-gradient(90deg, transparent 0%, rgba(201,168,76,.4) 50%, transparent 100%);
}

/* Cursor nas se��es com layout denso */
.taxas { cursor: default; }

/* Fade-in suave para as se��es */
.sobre, .servicos, .simulador, .processo, .contato {
  animation: sectionFade 1s ease both;
}
@keyframes sectionFade {
  from { opacity: 0; }
  to   { opacity: 1; }
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .sobre-grid { grid-template-columns: 1fr; gap: 60px; }
  .sobre-img-wrap { max-width: 500px; }
  .taxas-grid { grid-template-columns: 1fr; }
  .sim-wrapper { grid-template-columns: 1fr; }
  .sim-result-box { position: static; }
  .footer-inner { grid-template-columns: repeat(2, 1fr); }
  .hero-deco { width: 380px; height: 380px; right: -40px; opacity: 0.7; }
  .servicos-grid { grid-template-columns: repeat(2, 1fr); }
  .logo-bg-content { grid-template-columns: 1fr; gap: 40px; }
  .logo-bg-banner { padding: 80px 0; }
}

/* Menu mobile / tablet: hamb�rguer antes da barra horizontal �quebrar� */
@media (max-width: 1100px) {
  .nav-inner {
    position: relative;
    z-index: 1003;
  }
  .nav-links {
    display: none;
    flex-direction: column;
    align-items: stretch;
    position: fixed;
    left: 0;
    right: 0;
    top: calc(10px + 68px + env(safe-area-inset-top, 0px));
    bottom: 0;
    width: 100%;
    max-width: none;
    margin: 0;
    padding: 12px 0 calc(20px + env(safe-area-inset-bottom, 0px));
    gap: 0;
    background: #ffffff;
    box-shadow: 0 12px 40px rgba(10, 30, 74, 0.18);
    z-index: 1002;
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
    overscroll-behavior: contain;
    border: none;
    border-top: 1px solid var(--border-subtle);
  }
  .nav-links.open {
    display: flex;
  }
  .nav-links li {
    list-style: none;
    border-bottom: 1px solid rgba(10, 30, 74, 0.08);
  }
  .nav-links li:last-child {
    border-bottom: none;
  }
  .nav-links a {
    display: block;
    padding: 16px 22px;
    font-size: 1.05rem;
    font-weight: 600;
    border-radius: 0;
    color: var(--navy);
    white-space: normal;
  }
  .nav-links a:hover,
  .nav-links a:focus-visible {
    color: var(--navy);
    background: rgba(10, 30, 74, 0.06);
  }
  .nav-cta { display: none; }
  .hamburger {
    display: flex;
    position: relative;
    z-index: 1004;
  }
  .nav-logo-text { font-size: .82rem; }
}

@media (max-width: 768px) {
  .servicos-grid { grid-template-columns: 1fr; }
  .contato-grid { grid-template-columns: 1fr; }
  .contato-form-box { padding: 32px 24px; }
  .processo-steps { flex-direction: column; align-items: stretch; gap: 8px; }
  .step { max-width: none; width: 100%; padding: 0 4px 0 0; }
  .step-arrow { display: none; }
  .hero-bancos { flex-direction: column; align-items: flex-start; gap: 10px; }
  .hero-bancos-logos { gap: 8px; }
  .hb-logo img { width: 40px; height: 40px; }
  .bank-logo img { width: 46px; height: 46px; }
  .bbank-logo img { width: 36px; height: 36px; }
  .fgts-info { margin-left: 0; margin-right: 0; max-width: none; }
  .bank-btns { grid-template-columns: repeat(2, 1fr); }
  .footer-inner { grid-template-columns: 1fr; }
  .taxa-row { grid-template-columns: 1fr; gap: 2px; }
  .taxa-prazo { text-align: left; }
  .hero-deco { width: 380px; height: 380px; right: -70px; opacity: 0.85; }
  .container { padding: 0 18px; }
  .hero-content { padding: 56px 0 96px; }
  .sobre { padding: 72px 0; }
  .servicos, .taxas, .processo, .contato, .simulador { padding: 72px 0; }
  .sobre-img-wrap { max-width: none; width: 100%; margin: 0 auto; padding-bottom: 36px; }
  .carousel-wrap { margin-bottom: 8px; }
  .slide-caption { font-size: .78rem; padding: 32px 16px 16px; line-height: 1.4; }
  .sobre-float-card {
    top: auto;
    bottom: 14px;
    right: 14px;
    left: auto;
    padding: 14px 18px;
    animation: none;
  }
  .float-num { font-size: 1.5rem; }
  .taxas-tabs {
    flex-wrap: nowrap;
    justify-content: flex-start;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    gap: 8px;
    padding: 4px 2px 12px;
    margin-left: -4px;
    margin-right: -4px;
    padding-left: 4px;
    scrollbar-width: thin;
  }
  .taxas-tabs::-webkit-scrollbar { height: 4px; }
  .taxas-tabs::-webkit-scrollbar-thumb { background: rgba(201,168,76,.4); border-radius: 4px; }
  .tab-btn { flex: 0 0 auto; white-space: nowrap; padding: 10px 18px; font-size: .82rem; }
  .section-header { margin-bottom: 40px; }
  .cta-banner-inner { flex-direction: column; align-items: flex-start; }
  .cta-banner-actions { width: 100%; }
  .cta-banner-actions .btn { flex: 1; min-width: 140px; justify-content: center; }
}

@media (max-width: 480px) {
  .hb-logo img { width: 34px; height: 34px; border-radius: 8px; }
  .hero-bancos-logos { gap: 6px; }
  .hero-bancos { margin-top: 28px; gap: 8px; }
  .bank-logo img { width: 40px; height: 40px; border-radius: 10px; }
  .bbank-logo img { width: 32px; height: 32px; }
  .fgts-info {
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: 20px 18px;
    gap: 14px;
  }
  .fgts-info-copy { text-align: center; }
  .container { padding: 0 16px; }
  .hero h1 { font-size: clamp(1.85rem, 9vw, 2.35rem); }
  .hero-sub { font-size: 0.95rem; margin-bottom: 28px; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .hero-content { padding: 40px 0 72px; }
  .sim-form-box { padding: 24px 16px; }
  .sim-result-box { padding: 28px 18px; }
  .sobre-float-card { display: none; }
  .carousel-btn { width: 40px; height: 40px; }
  .carousel-prev { left: 8px; }
  .carousel-next { right: 8px; }
  .slide-caption { font-size: .7rem; padding: 24px 12px 12px; }
  .carousel-dots { bottom: -20px; gap: 6px; }
  .hero-deco { width: 220px; height: 220px; right: -56px; opacity: 0.55; }
  .servicos, .taxas, .processo, .contato, .simulador, .sobre { padding: 56px 0; }
  .section-header { margin-bottom: 32px; }
  .section-header h2 { font-size: clamp(1.45rem, 5.5vw, 1.85rem); }
  .taxa-card { padding: 20px 14px; }
  .servico-card { padding: 28px 20px; }
  .contato-form-box { padding: 26px 18px; }
  .footer { padding-top: 56px; }
  .footer-inner { gap: 28px; padding-bottom: 36px; }
  .footer-bottom .container { flex-direction: column; text-align: center; justify-content: center; }
  .whatsapp-float {
    width: 54px;
    height: 54px;
    right: 14px;
    bottom: calc(16px + env(safe-area-inset-bottom, 0px));
  }
  .nav-inner { gap: 10px; padding: 0 12px; }
  .logo-bg-banner { padding: 56px 0; }
  .logo-bg-stats { gap: 20px; justify-content: space-between; }
  .lbs-item strong { font-size: 1.65rem; }
}

/* ======================================
   LOGO WATERMARK SECAO SOBRE
   ====================================== */
.sobre { position: relative; overflow: hidden; }
.sobre-logo-watermark {
  position: absolute;
  right: -60px;
  top: 50%;
  transform: translateY(-50%);
  width: 500px;
  opacity: 0;
  pointer-events: none;
  z-index: 0;
  transition: opacity 1.6s ease;
}
.sobre-logo-watermark.wm-visible {
  opacity: 0.05;
}
.sobre-logo-watermark img {
  width: 100%;
  filter: grayscale(1) brightness(0.35) opacity(0.9);
  animation: wmFloat 16s ease-in-out infinite;
}
@keyframes wmFloat {
  0%, 100% { transform: rotate(-5deg) scale(1); }
  50%       { transform: translateY(-18px) rotate(4deg) scale(1.02); }
}
.sobre .container { position: relative; z-index: 1; }

/* ======================================
   PULSE WHATSAPP FLOAT
   ====================================== */
@keyframes waPulse {
  0%, 100% { box-shadow: 0 6px 24px rgba(37,211,102,.45); }
  50%       { box-shadow: 0 6px 40px rgba(37,211,102,.8), 0 0 0 12px rgba(37,211,102,.1); }
}
.whatsapp-float { animation: waPulse 2.8s ease-in-out infinite; }
.whatsapp-float:hover { animation: none; transform: scale(1.12); }

/* ======================================
   SHINE BTN GOLD
   ====================================== */
.btn-gold { position: relative; overflow: hidden; }
.btn-gold::before {
  content: '';
  position: absolute;
  top: 0; left: -80%;
  width: 50%; height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,.22), transparent);
  transform: skewX(-20deg);
  transition: left .7s ease;
}
.btn-gold:hover::before { left: 130%; }

/* ======================================
   FLOAT CARD ANIMADO
   ====================================== */
.sobre-float-card { animation: floatCard 4s ease-in-out infinite; }
@keyframes floatCard {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-8px); }
}

/* ======================================
   ANIMACOES SCROLL - ELEMENTOS
   ====================================== */
.servico-card.visible,
.taxa-card.visible,
.step.visible,
.sobre-text.visible,
.sobre-img-wrap.visible,
.contato-info.visible,
.contato-form-box.visible {
  opacity: 1 !important;
  transform: translateY(0) !important;
}

/* Carrossel dots compatibilidade */
.carousel-dots .carousel-dot {
  width: 8px; height: 8px;
  border-radius: 4px;
  background: rgba(10, 30, 74, 0.2);
  border: none; cursor: pointer; padding: 0;
  transition: all .3s ease;
  display: inline-block;
}
.carousel-dots .carousel-dot.active { background: var(--gold); width: 22px; }

@media (max-width: 768px) {
  .sobre-logo-watermark { width: 280px; right: -20px; }
}
@media (max-width: 480px) {
  .sobre-logo-watermark { display: none; }
}

/* ======================================
   P�GINA �QUEM SOMOS� � estilo refer�ncia investircred.com.br
   Foto vertical � esquerda (~42%), texto � direita, fundo branco limpo
   ====================================== */
.page-founder .founder-main {
  padding-top: 88px;
  padding-bottom: 80px;
  min-height: calc(100vh - 100px);
  background: #ffffff;
}
.founder-section {
  padding: 56px 0 40px;
}
.founder-inner {
  display: grid;
  grid-template-columns: minmax(240px, 0.42fr) minmax(300px, 1fr);
  gap: clamp(36px, 5vw, 72px);
  align-items: center;
  max-width: 1080px;
  margin: 0 auto;
}
.founder-photo-wrap {
  width: 100%;
  background: transparent;
  border-radius: 0;
  overflow: visible;
  box-shadow: none;
  border: none;
}
.founder-photo-wrap img {
  width: 100%;
  height: auto;
  display: block;
}
.founder-copy {
  display: flex;
  flex-direction: column;
  gap: 0;
  justify-content: center;
  padding: 0;
}
.founder-name {
  font-family: var(--font-display);
  font-size: clamp(1.125rem, 1.5vw, 1.25rem);
  font-weight: 500;
  font-optical-sizing: auto;
  color: #2c2c2c;
  letter-spacing: -0.01em;
  line-height: 1.45;
  margin: 0 0 1.15rem;
}
.founder-name strong {
  font-weight: 700;
  color: #1a1a1a;
}
.founder-copy > p {
  color: #333333;
  font-size: 0.9375rem;
  line-height: 1.78;
  max-width: 54ch;
  margin: 0 0 1.1rem;
}
.founder-copy > p:last-of-type {
  margin-bottom: 0;
}
.founder-subheading {
  font-family: var(--font-display);
  font-size: clamp(1.0625rem, 1.45vw, 1.1875rem);
  font-weight: 600;
  font-optical-sizing: auto;
  font-style: normal;
  color: #2c2c2c;
  margin: 1.85rem 0 1.15rem;
  letter-spacing: -0.01em;
  line-height: 1.4;
}
.founder-subheading strong {
  font-weight: 700;
  color: #1a1a1a;
}
.founder-subheading em {
  font-style: italic;
}
@media (max-width: 900px) {
  .founder-inner {
    grid-template-columns: 1fr;
    gap: 2rem;
    max-width: none;
  }
  .founder-photo-wrap {
    max-width: 380px;
    margin: 0 auto;
  }
  .founder-copy > p {
    max-width: none;
  }
}
@media (max-width: 480px) {
  .page-founder .founder-main {
    padding-top: 80px;
    padding-bottom: 56px;
  }
  .founder-section {
    padding: 32px 0 24px;
  }
  .founder-photo-wrap {
    max-width: 100%;
  }
}